> I can't retire for another 2 years because my retirement plan only
> allows me to take my pension without penalty at 59.5 years old. I'm
> just turning 57 this year... So they want 20% to allow me to retire
> today!

Doesn't your employer give you some form of redundancy pay?  In the UK at 
least I think you get about 1 weeks pay for every years service you have by 
law, and some employers give more than that minimum.

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